Coffee shop insurance

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  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored insurance quotes for coffee shops like yours from trusted brands
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Why do you need coffee shop insurance?

You’re passionate about great coffee and giving your customers a great coffee shop experience – but the industry is not without its risks. From burns to spillages to valuable espresso machines that you can’t do without, unexpected costs can be a shock to the system. Coffee shop insurance helps you worry less about how you and your business would cope with the consequences.

  • Peace of mind that you’re covered against mistakes and accidents, including injury, food poisoning and allergic reactions
  • Help to cope with big disruptions, such as a fire or flood at your premises
  • Protection against expensive damage to your coffee machines, fixtures and fittings and raw materials


What does coffee shop insurance cover?

You can tailor your insurance to suit the way you operate your coffee shop business. If you employ people, you’re required by law to have employee liability cover, and public liability insurance is an important one to consider too. There are several other types of cover that could be vital for your business – the choice is yours.


How much does coffee shop insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes

Example coffee shop insurance quotes, real prices

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Contents

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

Pick what goes into your policy

Get prices from a range of insurers

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

Example claim

Having coffee shop insurance through Simply Business has saved coffee shop businesses thousands of pounds when the unexpected happened.

Amber saved more than £27,500

One day at her coffee shop, Amber (name changed for privacy) was surprised when the 3x5m glass panel on the shop front smashed without any warning. The broken glass had been taken down, and the space was boarded up. Fortunately her insurance stepped in to cover the expense.



Coffee shop insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about coffee shop insurance. You can also check out our business insurance FAQs.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions